TWI303788B - - Google Patents
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- TWI303788B TWI303788B TW91114099A TW91114099A TWI303788B TW I303788 B TWI303788 B TW I303788B TW 91114099 A TW91114099 A TW 91114099A TW 91114099 A TW91114099 A TW 91114099A TW I303788 B TWI303788 B TW I303788B
- Authority
- TW
- Taiwan
- Prior art keywords
- renewal
- payment
- case
- insurance
- premium
- Prior art date
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- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Description
1303788 五、發明說明(1) 發明領域: 本發明係有關於一種續保通知辦理繳費機制,尤其 是一種利用簡訊續保通知複合機辦理繳費機制。 發明背景 今天 意接 人願 依舊 信給 由要 辦理 員, 〇再 保客 定會 勢。 客戶 其產 ,似 一般 要保 保人 收費 因此 者, 戶而 增加 因此 再者 ,而 業競 ,台灣的’保 受現今的保 乎其繳費制 而言,目前 人,再由業 直接至金融 業務,那麼 ,對於保險 若是要求要 言,如果其 其困擾,甚 ,提供客戶 ,以服務為 增加多種付 爭力。 險業務已 險制度。 度仍無法 的保險的 務員前往 機構繳款 保險公司 公司而言 保人直接 住所附近 至使得客 多種繳費 宗旨之保 費管道, 經臻至 然而, 跟上保 續保業 要保人 。然而 勢必需 ,其管 至金融 沒有指 戶不願 方式選 險公司 以服務 成熟, 保險的 險制度 務係由 之住處 ,若是 要聘僱 銷費用 機構繳 定之金 意繼續 擇勢必 也應該 其客戶 越來越多的 繳費方式卻 的完備。 保險公司寄 收費,或者 利用業務員 許多的業務 勢必會增加 款,對於要 融機構,必 續保。 成為一種趨 為了服務其 ,進而增加 發明目的1303788 V. INSTRUCTIONS (1) Field of the Invention: The present invention relates to a renewal payment notification payment mechanism, and more particularly to a payment mechanism for a composite machine using a newsletter renewal notice. Background of the Invention Today, the people who are willing to accept are still willing to be sent to the staff, and then to protect the situation. The customer’s production seems to be generally insured by the insurer. Therefore, the increase in the number of households is therefore the result of the competition. Taiwan’s 'guarantee of the current payment system, the current people, then the industry directly to the financial business. Then, if the insurance is required to speak, if it is troubled, even, provide customers, and increase the competitiveness by serving. The insurance business has a risk system. The insured person who is still unable to go to the institution to pay the insurance company. As far as the insurance company is concerned, the insurance provider will be able to keep the customer's multiple payment purposes. However, it is necessary, and it does not mean that the company does not want to choose the insurance company to mature the service. The insurance insurance system is based on the residence. If the salary is to be paid by the agency, the company’s intention is to continue. The more payment methods are available, the more complete. Insurers send fees, or use the salesman's many businesses, which are bound to increase, and must be renewed for the organization. Become a tendency to serve it, thereby increasing the purpose of the invention
第4頁 1303788 ——-------- 五、發明說明(2) 有鐘於此,本發明提供一 理繳費機制。 ,、種間汛、,、M保通知複合機辦 因此本發明之主要 ^ 來通知客戶績保。 的疋楗供一種利用簡訊的方式 本發明之另一目的菩袒也 _ 繳費的方式。 釦供一種利用複合機來讓客戶 保險公司之管 銷 費用再一目的為提供-種減少 買用的繳費機制。 發明概述: ,包Ϊ:驟種續保通知複合機辦理繳費機制 篩選出至少一續保案^供一待續保保單資料庫;(2) 要保人前往一指定虛新,並以一簡訊通知該續保案件之 包含-複-機辦理續保缴費,㊣中該#定處所 至少一資待續保保單資料庫相連;⑻輸人 續保案件於該保^I庫依據該資料’顯示該 (5 ^ ^ σ幾上,(4)確認該續保案件之内容· 保通Γ 3早及—應缴保費條碼;(6)列印該正式續 單ί ::ΐ該應繳保費條碼;⑺依據該正式續保通知 該指定處所缴費·’(8)該指定處 該正戈痒伴、s ί知描該應繳保費條碼,辦理收費、並於 式π保通知單上加蓋收費章;(9)定期回饋收費資 玉,發明說明 料;以及(1 0 )核對收眷:& •讓本發明之二承保該續保案件 能明顯易f董,下文特列出佳二他目的之特徵和 1 _ 幻出較佳貫施例並配合圖式 細說明。 、 詳細·說明與較佳實施例: 有關本發明為達$ μ ^ » θ ^ Ά ^ « 成上述之目的,所採用之:ί: - H1 :炷舉較佳可行之實施例,i 不说明而更進—步揭*日月瞭,詳如下述。 請參考:一,本發明所提供之簡訊續保通知複乂Page 4 1303788 ———————— V. Invention Description (2) With this, the present invention provides a payment mechanism. , ,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, The trick is to provide a way to use the newsletter. Another object of the present invention is the way of payment. Deducting a multi-functional machine to allow the insurance company's management expenses to be used for the purpose of providing a reduction in the payment mechanism. Summary of the invention: , Bao Zheng: The sudden renewal of the insurance notification machine to collect the payment mechanism to screen out at least one renewal case ^ for a policy database to be renewed; (2) to protect the person to a designated virtual new, and to a brief message Notify the inclusion of the renewal case - the re-issuance of the renewed insurance payment, at least one of the deposits in the central office is connected to the database of the policy to be renewed; (8) the case of the renewal of the insured is based on the information in the insurance Show this (5 ^ ^ σ a few, (4) confirm the content of the renewal case · Baotong 早 3 early and - the premium should be paid; (6) print the official renewal ί :: ΐ the premium payable Bar code; (7) According to the official renewal notice, the designated office shall pay the fee. '(8) The designated place shall be the affiliation partner, s ί 描 描 该 该 该 该 , , , , 办理 办理 办理 办理 办理 办理 办理 办理 办理 办理 办理Cover the charge chapter; (9) Regularly reimburse the fee for the jade, invention instructions; and (1 0) check the receipt: & • Let the second invention of the invention cover the renewal case can be clearly easy, the following is a good list Second, the characteristics of the purpose and 1 _ illusion preferred embodiment and detailed description with the drawings. Detailed description and preferred embodiment Regarding the present invention, it is up to $ μ ^ » θ ^ Ά ^ « for the above purpose, using: ί: - H1 : 较佳 较佳 较佳 较佳 较佳 较佳 较佳 较佳 较佳 较佳 较佳 较佳 较佳 较佳 较佳 较佳 较佳 较佳 较佳 较佳 较佳 较佳For details, please refer to the following: Please refer to: 1. The renewed notice of the SMS renewal provided by the present invention
繳誊裝置,句冬· 从士 ^ ^ ^ ^ Z β 3 .一待續保保單資料庫i 10、-=〇、以及一收費系統130。保險公司或保險 緣續保之保險單下載A 0 p 1 ^ " 一牛來說,1H 待續保保單資料庫 步來次’㈣料庫110係可存 篩選出至少一續伴崇杜 _ y^ ^服益」 Μ保案件。该待續保保單資料座 過一簡訊發送單元"1發送-簡訊通知該二 保人141辦理續保纷#九丨上ρ , 成績保兔 之行動電話丨42,以通知該要保人141.如\头要4 之人士所知,該簡訊發送單元lu係可^^ 一般電話、一傳真機或一電腦··等,二二仃重 為文字訊息、語音留古、僂真$ ^簡訊开 曰W σ、傳真或電子郵件...望# 在較佳貫施例中,該簡訊係要求專形3 缴費’例如前往便利商店。該特定處= ϊ 優點更 ,作詳 術、手 藉由圖 機辦理 複合機 人將屆 10,進 ,用以 [0係透 件之要 :人 141 項技藝 電話、 式係可 通知。 定處所 -複合 1303788 7件The payment device, sentence winter, from the ^ ^ ^ ^ Z β 3. A pending insurance policy database i 10, -= 〇, and a charging system 130. Insurance company or insurance policy renewal insurance policy download A 0 p 1 ^ " One cow, 1H to be renewed policy data library step to the next '(four) material library 110 series can be selected to screen out at least one continued companion _ y^ ^ Benefits to protect the case. The information of the policy to be renewed is sent by a newsletter sending unit "1Send-Newsletter to inform the second guarantor 141 to apply for the renewal of the insurance. #九丨上ρ, the results of the rabbit's mobile phone 丨42, to inform the guarantor 141 As the person who knows the head of 4 wants to know, the message sending unit of the newsletter can be ^^ general phone, a fax machine or a computer, etc., the second is the text message, the voice is ancient, the truth is $^ newsletter Open 传真, fax or email... Hope # In a preferred embodiment, the SMS requires a special 3 payment 'for example, to a convenience store. This particular place = 优点 Advantages, for detailed operation, hand processing machine with the machine will be 10, into, for [0 system transparent parts: people 141 skills phone, style can be notified. Set of premises - composite 1303788 7 pieces
f五、發明說明00 機120係與該待續保保單資料冑11〇透過網際網路相連 接。該複合機120至少具有一輸入裝置12丨用以 少一資料、一顯示裝置122用以顯示該續保案刖^及 一輸出裝置123用以輸出一正式續保通知單盥— 碼,以利該要,人辦理續保繳費,其中該輸^資料傳 到該待續保保單資料庫11 〇,用以確認該續杜 容。更進-步來說’若是要保人⑷對於二= 顯示的續保内容要求修正/修改時,該複合機; 入裝置1 2 1可進一步依據該顯示裝置所顯示: 内容,修改:續…,然後再做確認,例如 裝置1 2 1之確認按鍵。 r ψηι 收費士統130 ’係依據該繳費條碼收費 可利用一條碼機131掃描該缴費條碼,要 ^來擇兒至 便利商店之櫃檯缴款或者至銀行自動櫃員機缴;選:ί =繳款則在收款之後,於該正式續保通知;上:】 交I :, 保費收據;若是在自動櫃員機繳款,則装 費資料二= c該收f系統130定期地將收 頭主°豕得續保保單資Μ庙!】η,、, 保保單資料庫1丨 以更新該待續 業人員辦3 續保案件。最後保險公司作 方式寄送給要保人。 冷保出早作業,再以郵件f. Description of the invention 00 The machine 120 is connected to the data to be renewed 胄11〇 via the Internet. The multifunction peripheral 120 has at least one input device 12 for reducing one data, a display device 122 for displaying the renewal file, and an output device 123 for outputting a formal renewal notice 盥 code. In this case, the person applies for the renewal of the payment, and the data is transmitted to the to-be-renewed policy database 11 to confirm the renewal. Further, if you want to protect the person (4) for the second = the renewal content of the display requires correction/modification, the compound machine; the input device 1 2 1 can be further displayed according to the display device: Content, modification: Continued... Then confirm again, for example, the confirmation button of device 1 2 1. r ψηι Charger 130' is based on the payment barcode. You can use a code machine 131 to scan the payment barcode. You must choose to pay the counter at the convenience store or go to the bank ATM. Choose: ί = contribution After the receipt of the payment, the official renewal notice; on:] I:, the premium receipt; if it is paid at the ATM, the charge information 2 = c the receipt system 130 will periodically close the head ° You can renew your insurance policy! 】, η,,, the insurance policy database 1丨 to update the pending personnel to do 3 renewal case. Finally, the insurance company sends it to the insured. Cold insurance, early work, and then mail
繳費機制,係利:2,供一種簡訊續保通知複合機辦理 圖二,從步驟二t所述之裝置來辦理缴費,請參考 一然後步驟202 :提供一待續保 1303788 竹年丨r月 五、發明說明(5) 保單資料庫,在較佳實施例中,係由保險公司或保險代 理人將屆臨續保之保險單下載存檔至待續保保單資料 庫,進一步來說,該資料庫係可存放在一伺服器上。步Payment mechanism, profit: 2, for a newsletter renewal notice to the composite machine to handle Figure 2, from the device described in step 2 t to pay, please refer to one then step 202: provide a to be renewed 1303788 Month 5, invention description (5) policy database, in the preferred embodiment, the insurance company or insurance agent downloads the insurance policy of the renewed insurance to the database of the policy to be renewed, further speaking, The database can be stored on a server. step
驟2 03 :從該資料庫中篩選出至少一續保案件(例如一 般到期保單之續保,或者汽/機車保險等等),並以一簡Step 2 03: Screen out at least one renewal case from the database (for example, renewal of a generalized policy, or steam/locomotive insurance, etc.)
訊通知該續保案件之要保人前往一指定處所辦理續保繳 費,其中該指定處所·包含一複合機係與該待續保保單資 料庫相連;也就是將客戶的續保資料利用簡訊發送給客 戶,通常該簡訊可以是利用行動電話傳送文字訊息,更 進一步可利用傳真機、電話或電腦等簡送發送單元,並 以語音留言、傳真或電子郵件等簡訊形式通知客戶。然 後指定客戶前往特定處所繳費,舉例來說,該特定處所 可以是便利超商,惟該特定處所係包含一複合機與該待 續保保單資料庫相連。接下來步驟:204輸入至少一資 料,例如要保客戶可依照該簡訊的指示,將其個人資料 (保險單/保險証號碼、身分證字號、或者車號)輸入 到該複合機,透過該複合機與該待續保保單資料庫相連 結’該待續保保單資料庫依據該資料,將該要保客戶之 續保案件顯示於該複合機上。步驟2 0 5 :確認該續保案 件之内容,更進一步來說,必要時,要保客戶可以先修 改/修正其續保案件的内容,再做確認。接著步驟2 0 6 : 該待續保保單資料庫依據上述之確認步驟,透過該複合 機核發一正式續保通知單及一應繳保費條碼。步驟2 0 7 : 該複合機列印該正式續保通知單及該應繳保費條碼。The notice informs the insurer of the claimant to go to a designated place to apply for the renewal of the insurance premium, wherein the designated premises include a composite machine attached to the pending insurance policy database; that is, the customer's renewal information is sent by SMS. To the customer, usually the newsletter can use a mobile phone to transmit text messages, and further can use a fax, telephone or computer to send the sending unit, and notify the customer by SMS, fax or email. The customer is then assigned to a particular location to pay, for example, the particular location may be a convenient supermarket, but the particular location includes a multifunction machine connected to the pending insurance policy database. Next step: 204 input at least one piece of information, for example, to ensure that the customer can input his/her personal information (insurance/health certificate number, identity card number, or car number) into the multi-functional machine according to the instructions of the newsletter, through the composite The machine is linked to the to-be-renewed policy database. The insured policy database is based on the data, and the renewal case of the insured customer is displayed on the multifunction machine. Step 2 0 5: Confirm the contents of the renewal case, and further, if necessary, ensure that the customer can modify/correct the contents of the renewal case before confirming. Then, in step 2 0 6 : the pending insurance policy database issues a formal renewal notice and a premium payable barcode through the composite machine according to the above confirmation step. Step 2 0 7: The compound machine prints the official renewal notice and the premium to be paid.
m mm 第8頁 1303788 丫卜;叫 ---—-~~.— 五、發明說明(6) ' —----- > =下來步驟208:要保客戶依據該正式續保通知 擁;11 =保費條碼至該指定處所繳費(例如便利超商之 指定1祕可選擇至銀行自動榧員機繳費)。步驟209:該 ;、並於知掃::㈣保費條碼’辦理收 ^ , ^ 4| ffl 弋、戈保通矣早上加蓋收費章;更進一步來 •明細即員機:費’則轉帳完畢所列印之交易 料,更進二後步驟:210 $期回饋收費資 費之款項明二刊Df 3::j或者銀行業者可將收 :方式提供對或:二=傳 L t保該續保案件。最後結束步驟川。 辦理繳。置::明’係提供-種簡訊續保通知複合機 來通知以;機制。因此保險公司可利用簡訊的4 本發明還提:二而達:減少管銷費用的目的。再者 此客户可t;:r 機來讓客戶缴f的方式,因 乂在酼處可見的便利超商繳款。 以限定本發:明= = 揭露如i ’然其並非用 明之精神*範圍内,•可做些ς = 0 士,在*脫離本發 準。U巳圍畲視後附之申請專利範圍所界定者2m mm Page 8 1303788 ;卜;叫-----~~.- V. Invention Description (6) '------ > = Down Step 208: To ensure that customers follow the official renewal notice ;11 = premium barcode to the designated office (for example, the convenience of the designated business secret 1 can choose to pay to the bank automatic teller machine). Step 209: The; and the knowledge of the sweep:: (4) premium barcode 'to receive ^, ^ 4| ffl 弋, Ge Baotong 加 stamped the charge chapter in the morning; further come to the details of the machine: the fee is transferred The printed materials listed are further advanced. Steps: 210 $ returning the fee for the payment of the fee. The second edition of the Df 3::j or the banker can provide the payment method: or the second: case. Finally, the end of the process. Hand in payment. Set:: Ming's provide a kind of newsletter renewal notice to the composite machine to notify; mechanism. Therefore, the insurance company can use the 4 inventions of the newsletter to mention: Secondly: the purpose of reducing the cost of the management. In addition, this customer can t;:r machine to let customers pay the way of f, because the convenience of the super-business payment can be seen. To limit the hair: Ming = = expose as i 〗 However, it is not within the scope of the spirit of the *, can do something ς = 0, in * out of this issue. U 巳 畲 畲 后 后 后 后 2 2 2 2
1303788 年“月/日侉~ 圖式簡單說明 請參照下面本發明之詳細說明與較佳實施例,可更 瞭解本發明,其圖式為: 圖一係本發明之簡訊續保通知複合機辦理繳費裝置示意 圖。 圖二係本發明之簡訊續保通知複合機辦理繳費機制流程 圖式。BRIEF DESCRIPTION OF THE DRAWINGS Schematic diagram of the payment device. Figure 2 is a flow chart of the payment mechanism of the composite renewal notification notification machine of the present invention.
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TW91114099A TWI303788B (en) | 2002-06-26 | 2002-06-26 |
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Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
TWI690886B (en) * | 2018-08-22 | 2020-04-11 | 新光產物保險股份有限公司 | Usage based vehicle insurance system |
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Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
TWI690886B (en) * | 2018-08-22 | 2020-04-11 | 新光產物保險股份有限公司 | Usage based vehicle insurance system |
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